AEON iCASH Personal Financing

This is a simple AEON Personal Financing with express approval and flexible repayments. Pay at low monthly profit rates for up to 7 years!

    • Financing up to RM100k
    • Up to 7 years tenure
    • Islamic Financing
    • 3 days approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for AEON iCASH Personal Financing

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for AEON iCASH Personal Financing

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to AEON website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Not the personal financing you're looking for? Did you know you can compare all the personal financing in Malaysia?

Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM100006 to 84 monthsmin. RM960018% p.a.
RM10100 - RM1000006 to 84 monthsmin. RM960010.08% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 10.08% p.a. to 18% p.a. , depending on financing amount and period
Processing Fee
from 2% to 4% of the financing amount
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Late Payment Charge
from RM18 to RM40, subject to terms and conditions


Are you eligible for this personal financing?

Minimum annual net income
Minimum age
18 years old
Maximum age
65 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about AEON iCASH Personal Financing

Things you might want to know

In need of cash to meet your children's college fees or expensive medical bills? Or maybe going on a holiday or for DIY home improvement? A personal financing plan like AEON iCASH Personal Financing can help bridge the financial gap without breaking the bank!

Tell me about AEON iCASH Personal Financing.

AEON iCASH Personal Financing is an unsecured Islamic personal financing with high financing limit and low monthly profit rates. This Islamic personal financing is easy to apply and does not require security deposit or guarantor.

You can borrow a minimum of RM1,000, up to RM100,000 from AEON iCASH Personal Financing and repay the Islamic facility over flexible terms between 6 to 84 months. Your approved borrowing amount will depend on your income and AEON Credit's assessment.

How fast can I get my money?

Typically, AEON takes within 3 days to process and approve your iCASH Personal Financing application. Interestingly, you can get your approved money disbursed to your chosen savings or current account even on Sunday!

Before you can get your hand on the money, you are required to sign the Sales & Purchase Agreement at the respective AEON Credit's counter. Then you can withdraw the money from any ATM machines.

If you have the AEON Credit Prepaid MasterCard, you can have your funds transferred to your card for up to RM10,000 and withdraw at your nearest AEON Credit Branch.

How much do I repay my monthly instalment?

Your repayment amount depends on your profit rate on approval - you may get a higher or lower rate depending if you're an existing AEON credit cardmembers or new-to-the-bank.

Financing AmountAEON Credit Card MembersAEON Express Card MembersNon-Card Members
less than RM10,0001.2% per month1.2% per month1.5% per month
RM10,100 to RM100,0000.8% per month0.84% per month0.84% per month

But what does that mean for your profit payments to AEON over a whole year? Allow us to explain!

For AEON credit card members, you can get as low as 14.4% p.a. when you finance between RM1,000 and RM10,000 or 9.6% p.a. if you finance from RM10,100 to RM100,000.

For AEON Express card members, you can get as low as 14.4% p.a. when you finance between RM1,000 and RM10,000 or 10.08% p.a. if you finance from RM10,100 to RM100,000.

For non-card members, you'll get as low as 18% p.a. when you finance RM1,000 to RM10,000, or an even lower 10.08% p.a. if you finance between RM10,100 and RM100,000.

How do I pay the money back?

Payments of your iCASH Personal Financing facility should be made by the 2nd day of every month. There are various payment channels provided such as internet banking, ATM transfer, interbank GIRO, cash and cheque deposit machine and over the counter at AEON Service Centre. 

At anytime you are late on your monthly payment, you will be charged with a penalty between RM18 to maximum RM40.

What is the cost of obtaining AEON iCASH Personal Financing?

There is a processing fee of 4% for financing amount below RM10,000. Planning to finance more than that? Enjoy only 2% processing fee for amount between RM10,001 and RM100,000, capped at RM400. Remember, a 6% GST will be included.

Can I pay my AEON iCASH Personal Financing off early?

Of course. You can finish paying your iCASH Personal Financing facility as soon as you wish with no charges at all!

What documents do I need to prepare for AEON iCASH Personal Financing application?

First of all, you need to be a Malaysian citizen aged 18 years old and above with a minimum net income of RM800 per month. Together with your application form, you need to provide all these supporting documents:

If you're a Salaried Employee:

  • Original NRIC
  • Latest EPF statement
  • Latest 3 months salary slip / 6 months for non-permanent or commission-based staff
  • Latest 3 months salary-crediting bank statement / 6 months non-permanent or commission-based staff
  • Bank statement / saving account passbook (for verification purpose)
  • Latest BE form and Tax payment receipt (optional).

If you're Self-Employed:

  • Original NRIC
  • Company Business Registration Certificate (ROC & ROB) and
  • Latest 6 months Company's principle current account statement either, or
  • Latest updated bank saving account passbook or bank statement (for verification purposes), or
  • Latest Form BE/E form & Tax payment receipt.

Read More